Search found 599 matches

by yukonjack
Fri Jun 14, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4014

Re: Selected Photos

Would love to see some pictures. I took nearly 2000 photos. I've selected 56 pictures to give an idea of the trip . Magnificent photos Raybo. Thanks for sharing. I recognized a number of towns that are often part of the Tour de France. It must have been thrilling to ride over some of the same roads...
by yukonjack
Mon Jun 10, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3027

Re: Costco Visa credit limit

I have not had a similar experience to yours. In fact Costco Visa set my credit limit so high that I’ll probably never get close to using the max amount. Although unlike you I only have one Citi card.
by yukonjack
Fri May 31, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Chipped windshield getting worse
Replies: 16
Views: 820

Re: Chipped windshield getting worse

Thanks, guys. I did the online quote with safelite and got a quote of $230 for a total replacement (out of pocket) as I don't have comprehensive coverage on my car (car paid off for a while and not worth much) . Does $230 sound like a reasonable price? It sounds a little high but not unreasonable. ...
by yukonjack
Thu May 23, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4014

Re: 3 Alpine passes in 3 days by bicycle

Thanks for posting Raybo. I always enjoy reading about your travels and I do recognize several Tour de France cities.
by yukonjack
Thu May 23, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: "Investing in Total Markets"
Replies: 45
Views: 4700

Re: "Investing in Total Markets"

Thanks for posting Taylor. This was an informative read that summarizes boglehead investing.
by yukonjack
Tue May 21, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 5773

Re: Relocate to Charleston SC?

Hi there, I’ve posted over the last months trying to manage an unexpected retirement at age 58 Based on all your advice I’ve adjusted investments (switched to VG, index funds, rebalance allocations) . And other stuff (deciding to sell some property). And I’m trying to get new consulting work (have ...
by yukonjack
Sat May 18, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 30
Views: 3971

Re: Arc'teryx - Anyone else here splurge?

I tend to purchase more Patagonia stuff which is quite similar to Arc. I find the higher end brands fit better and last longer. And I appreciate Patagonia’s free repairs. Like you I try to buy the higher price stuff when it is on sale and I consider REI’s spring sale to be one of the better ones.
by yukonjack
Wed Apr 17, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 10188

Re: seriously thinking about leaving S. CA but where to?

You mentioned family/friends in Canada. Not sure where they are in Canada but since there have been many PNW recommendations you might want to also consider southern BC. It checks off a number of your boxes and is relatively close to California.
by yukonjack
Sun Apr 14, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 25
Views: 1390

Re: Please help, foreign tax credit

Hi All Finishing off our 2018 Fed taxes using Turbo Tax online as usual. Paid total of $915 in foreign tax per our 1099-Div forms, but the foreign tax credit recieved on Line 48 is only $158. Can anyone explain why so low or share some info on how I can figure that out? Last couple of years it was ...
by yukonjack
Tue Apr 09, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Limitations on foreign tax credit
Replies: 6
Views: 487

Re: Limitations on foreign tax credit

I suggest that you might have filled out the FTC Form 1116 incorrectly. It can be tricky and the HRBlock Deluxe download tax prep software takes some experience getting that form filled out correctly. So if you are limited, it means you are probably not paying any US taxes anyways, right? If you ar...
by yukonjack
Tue Apr 09, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Limitations on foreign tax credit
Replies: 6
Views: 487

Limitations on foreign tax credit

With the recent changes to the tax laws I have for the first time in many years taken the standard deduction. After finalizing my 2018 taxes I noticed one downside to taking the standard deduction. My foreign tax credit has been significantly limited. I paid $911 in foreign tax but am able to use on...
by yukonjack
Wed Mar 27, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Decent hiking/trekking clothing?
Replies: 50
Views: 1970

Re: Decent hiking/trekking clothing?

I’m surprised at the amount you quote from REI. That would be my starting place. Not sure what you are looking for but I’m certain I could outfit myself for a trip like that for less than $500. On the bright side if you buy quality clothing it will last many years.
by yukonjack
Wed Mar 20, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Case and Screen Protector?
Replies: 5
Views: 330

Re: Cell Phone Case and Screen Protector?

I’ve had good luck with a brand called Spigen from Amazon. Although it is on the light side which works for me. Since you drop your phone a lot you might want to look at something like an Otter Box.
by yukonjack
Fri Mar 15, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 54
Views: 3305

Re: 2 days in New York City

Another highly recommended Broadway show is To Kill a Mockingbird. I’m surprised no one has mentioned going to the top of the Empire State Building and/or 30 Rock. It’s been years since I’ve done so not sure if it’s worth the money now.
by yukonjack
Tue Mar 12, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5638

Re: Peanut Butter recommendations

I’ve been eating Kirkland’s Organic Creamy PB for several years and think it’s one of the better ones. It’s basically just the peanuts with a little sea salt.
by yukonjack
Wed Mar 06, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 10747

Re: Best Car Values

What you are saying makes very good sense however I personally subscribe to the belief especially with the better Japanese makes is to buy new, drive 10+ years and then sell or trade. Once you can afford more expensive vehicles it then becomes a matter of personal preference.
by yukonjack
Wed Feb 06, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Costco for Mercedes tire set
Replies: 29
Views: 1383

Re: Costco for Mercedes tire set

I’ve been buying tires from Costco for many years and find them to be totally trustworthy. And unlike some tire centers they don’t try to up sell you. I’ve yet to be dissatisfied with their service or products.
by yukonjack
Tue Feb 05, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: VMMXX - Why so popular? [Vanguard Prime Money Market Fund]
Replies: 23
Views: 3223

Re: VMMXX - Why so popular?

I’ve had money in VMMXX for about 14 years and like the ease of buying shares via an exchange. While it might not have the highest rate it is pretty close and seems to adjust the rate quickly based on market conditions.
by yukonjack
Thu Jan 31, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 10354

Re: Were you 100% debt free at retirement

Yes to both questions. Everyone is different, but for me it goes beyond payments eating into cash flow. I just hate owing money to someone. I hate every part of it: I don't like filling out credit applications, I don't like needing their "approval" for a loan, I don't like sending someone money eac...
by yukonjack
Thu Jan 17, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 736
Views: 43713

Re: My trend following strategy and experience

Will I always enjoy reading your posts and appreciate your investment knowledge. I personally go with what I perceive as a more simplified approach (a traditional 3 fund option). I would not feel comfortable making important investment decisions on an ever changing landscape. It’s enough for me to d...
by yukonjack
Tue Jan 15, 2019 9:37 am
Forum: Personal Investments
Topic: Qualified Dividends
Replies: 20
Views: 2091

Re: Qualified Dividends

I have never adjusted Qualified Dividends based on purchase date. I have never seen a prompt for that in TurboTax, and have been doing my taxes with TurboTax since 1995. I have also input the numbers off my 1099-DIVs. So I went to Vanguard's 1099-DIV instructions (see below), and my understanding i...
by yukonjack
Mon Jan 07, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Ameriprise Car Insurance
Replies: 12
Views: 1388

Re: Costco Ameriprise Car Insurance

I’ve been with Ameriprise through Costco executive for about 10ish years with home and auto. Several claims and all have been handled to my satisfaction. The annual increases have been minimal, about what I would expect. I’ve only shopped around 2 or 3 times and have always found them to be the lowe...
by yukonjack
Wed Jan 02, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Nicer Denver Areas
Replies: 19
Views: 2317

Re: Nicer Denver Areas

With such limited time I would also recommend downtown. Denver is quite safe so you would really have to get off the beaten path to get into trouble and while parking isn’t a breeze it is much easier than most large metropolitan areas. Check trip advisor for hotels since quite a few new boutique sty...
by yukonjack
Fri Dec 28, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Economy car vs Luxury - confirmation of a good decision
Replies: 29
Views: 1724

Re: Economy car vs Luxury - confirmation of a good decision

Also bought a 2018 Accord a couple months ago. Sprung for the EX-L model. Love it. A relative had bought an Acura at almost double the price I paid for the Accord. I like my car better and has some features the Acura lacks. Apple CarPlay for one. Not sure what more I'd want in a car. It's terrific....
by yukonjack
Fri Dec 21, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: London Neighborhood Recommendation
Replies: 37
Views: 2597

Re: London Neighborhood Recommendation

I was there in June staying in South Kensington. I found it to be a great location with just a 5 minute walk to the tube. I would highly recommend SK but most especially West London on the Piccadilly line with an Oyster Card. You’ll pay more in West London but totally worth it.
by yukonjack
Wed Dec 19, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Putting Panic In Perspective
Replies: 6
Views: 842

Re: Larry Swedroe: Putting Panic In Perspective

Thanks for posting. A timely read with good reminders to stay the course.
by yukonjack
Thu Dec 13, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: The red tide in Florida [algae bloom at Florida coast]
Replies: 18
Views: 2690

Re: The red tide in Florida [algae bloom at Florida coast]

I would highly recommend doing thorough research and have a backup locations such as the Florida east coast or even another state. I was in the Sarasota area in early August and the conditions were horrible. I’ve been going there off and on for 15 years and based on my recent visit I’m not sure that...
by yukonjack
Tue Dec 04, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2488

Re: Looking for a nice travel watch... recommendations?

A little background.. I have a nice dress watch home, a Rolex I bought 20 years ago and I don't travel outside the US with it. We cruise and do mostly foreign travel and I have a new $9 Black Plastic Casio I purchased recently when my last travel watch died. While this is adequate for ground excurs...
by yukonjack
Sun Nov 25, 2018 9:11 am
Forum: Personal Investments
Topic: Tax Loss Harvesting Suggestions - Nov 1, 2018
Replies: 10
Views: 1000

Re: Tax Loss Harvesting Suggestions - Nov 1, 2018

Bogleheads: In my opinion, Tax-Loss Harvesting can be very simple or numbingly complex -- as this 38 page PDF illustrates. This is my simple suggestion for obtaining most of the benefit of tax-loss harvesting: After my fund has a loss of 5% or more, I exchange my losing shares into a money market f...
by yukonjack
Wed Oct 31, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1755

Re: Anybody use CenturyLink for internet service?

I have Centurylink for internet only. I strongly dislike the company as I experienced fraud in their sales pitch and in fact am not along--there's a big class action law suit in my state against them. They constantly do bait and switches, as I know first hand. I can't stand the fact that I still us...
by yukonjack
Mon Oct 29, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4901

Re: Vehicle recommendations for long commutes in CO mountains

Wanted to get some feedback on what specific vehicle might fit the bill for these driving conditions. 54 miles one way about 12-13 days a month. In Colorado where winters can be harsh. Have to drive to work in ALL conditions, no matter how bad. Drive on highway and narrow dirt back roads. Want comf...
by yukonjack
Wed Oct 24, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Georgia Tech Online Masters Programs
Replies: 6
Views: 1307

Re: Georgia Tech Online Masters Programs

Has any BH enrolled, completed or known anyone to take one of the Georgia Tech online masters programs? By what is advertised they seem pretty reputable but would love to see if anyone has first hand experience. Or with any rigorous online masters for that matter. https://pe.gatech.edu/degrees Cons...
by yukonjack
Sun Oct 14, 2018 9:14 am
Forum: Personal Investments
Topic: Practical tips to do TLH...
Replies: 3
Views: 443

Re: Practical tips to do TLH...

You don’t need an app just google Livesoft’s threads on this website. Warning: he/she has written quite a bit on this subject but it is very informative.
by yukonjack
Thu Oct 11, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3441

Re: Budget Coffee

tommy85 wrote:
Thu Oct 11, 2018 5:24 pm
+1 for Costco Columbian. It ranked high in consumer report ranking.
Another vote for the 3 pound can of Kirkland 100% Colombian coffee. I find it be consistently good and it’s under your price point.
by yukonjack
Wed Oct 10, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 6441

Re: Anyone done a Hair Transplant?

Google Joe Buck hair transplant. It didn’t go well for him and he obviously has the means and motivation to do it. A couple years ago I heard an interview with Joe shortly after he released his autobiography. He goes into great detail about how the whole process went off the rails and he finally gav...
by yukonjack
Mon Oct 08, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: REI Adventures
Replies: 16
Views: 2032

Re: REI Adventures

I looked into an REI trip to Machu Picchu as a single but at the time I thought the single occupancy premium was a bit high. I have noticed trip discounts usually during their May sale.
by yukonjack
Fri Sep 28, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7419

Re: Got my new Iphone Xs

I have a max coming today and will be interested to see the difference from my 6s. I was recently reading that some folks with the new Xs phones are complaining about how long it takes to charge the phone up to 100%. Have you noticed an increase in charging time? I think some people were reporting t...
by yukonjack
Wed Sep 12, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2787

Re: The Atlantic: 'Why is College In America So Expensive?'

To me, the most economical way to get a college education is 1) Do first two years at a community college especially the general education classes, 2) Transfer to an in-state university, a local public university, if possible. I am seeing both 1 and 2 more frequently in my neighborhood. And I live ...
by yukonjack
Mon Sep 10, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6814

Re: Hurricane Florence - survival guide

Lessons from living thru multiple disastrous hurricanes (I have posted this elsewhere too): 1) Two days out everything will be sold out. You should stock up and prepare 4-5 days before. 2) No electricity=no gasoline. My generator drinkes 5 gallons in about 7 hours. If you do not have electricity fo...
by yukonjack
Mon Aug 20, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2931

Re: Retire and become an Adventure Guide

My son of 24 does this very thing for an outfit called Wildland Trekking. He loves it. The only specific requirement was taking courses and becoming certified in Wilderness First Responder Training. I don’t think your age would be an impediment but you would need to be okay working with and being ma...
by yukonjack
Wed Aug 15, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 4092

Re: Almost 30 - Check In

I agree with most of the previous posts in that $15k is way too much but if you decide to go down that path do lots of research on diamonds and learn how to use a jeweler’s microscope. It is a common practice for jewelers to sell flawed diamonds for an inflated price. At the very least you might be ...
by yukonjack
Tue Aug 14, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 9388

Re: Retire in Florida or Alabama?

The fact that the Alabama coast is referred to as the “Redneck Riviera “ would give me pause. And if I’m not mistaken that same vibe exists in northern Florida.
by yukonjack
Wed Jul 25, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2334

Re: How to Learn Italian (a little) Before Trip to Italy

In preparation for a recent trip to France I stumbled onto the linguistics coach Paul Noble. I found his methods to be both useful and unique. I checked out his audio book from my local library and found it to be helpful for a basic “tourist” understanding. I only completed book one but I believe he...
by yukonjack
Mon Jul 16, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 34
Views: 2635

Re: Passport expiration time rules for France

FWIW Rick Steves recommends renewing at 6 months. I renewed 3 family members earlier this year and it only took about 3 weeks so you should have plenty of time.
by yukonjack
Mon Jul 09, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy house in Bay Area?
Replies: 19
Views: 3134

Re: Can we afford to buy house in Bay Area?

Facing a difficult financial decision. We live in Bay Area and want to buy a house. Current situation: - Salary + Bonus: 210K - RSU: 300K a year - 401k: ~100K total, maxing out every year - Current house equity: ~400K (assuming I sell it today and exclude all closing costs) - Cash: 250K in money ma...
by yukonjack
Wed Jul 04, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: 1991 Honda Civic, 160k. Is it time for a new car? or newer used car?
Replies: 25
Views: 1734

Re: 1991 Honda Civic, 160k. Is it time for a new car? or newer used car?

You must be suffering since the first week of June. It’s been smoking in most of Colorado. You seem to be the type of person that keeps vehicles for the long haul. For that reason I would suggest buying new and driving it into the ground. There are usually deals to be had in September and October as...
by yukonjack
Sun Jul 01, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 2137

Re: Should I cancel my Colorado trip due to wildfires??

I personally wouldn’t change the trip that you outlined. This has been a fairly typical fire season in Colorado. The only part of your trip that might be changed is the train ride. I know in Durango the narrow gauge train rides were being tweaked a bit. Of course the company that runs the train can ...
by yukonjack
Mon Jun 25, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: 2019 trip to France and Switzerland
Replies: 10
Views: 1032

Re: 2019 trip to France and Switzerland

A couple of weeks ago I did a day trip from Paris to Bayeux and enjoyed it. I left Paris on a 7am train to Bayeux and returned to Paris around 9pm. My main focus was to see Bayeux tapestry and the town. I did go to the WW II museum. If you want to tour the sites and beaches I would suggest spending ...
by yukonjack
Sun Jun 24, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3595

Re: Compliments for Vanguard?

I have completed two rollovers with Vanguard and all went well and timely. In my 12 years of being a Vanguard customer I have rarely needed to talk with someone but when I do it has been handled to my satisfaction.